APY = Annual Percentage Yield. APR = Annual Percentage Rate
Rates and APYs accurate as of May 16, 2024.
Rates and rewards are variable and may change after account is opened.
Fees may reduce earnings.
Free Kasasa Cash Checking
| Balance | APY |
| Up to $10,000 | 3.00% |
| $10,000 and up | 3.00% - 0.25% |
Free Kasasa Saver
| Balance | APY |
| Up to $25,000 | 4.00% |
| $25,000 and up | 4.00% - 0.25% |
Regular Savings
| Type | APY |
| Regular Share Account | 0.05% |
| Secured Share Account | 0.05% |
| Vacation, Holiday, Summer Share Accounts | 0.50% |
Money Market Checking/Savings Accounts
| Amount | Current Rate | APY |
| $2,000 - $9,999.99 | 0.20% | 0.20% |
| $10,000 - $24,999.99 | 0.25% | 0.25% |
| $25,000 - $49,999.99 | 0.30% | 0.30% |
| $50,000 - $149,999.99 | 0.40% | 0.40% |
| $150,000 + | 0.50% | 0.50% |
Certificate Accounts
| Term | Current Rate | APY |
| 6 month | 4.23% | 4.31% |
| 3 month - 18 month | 3.45% | 3.51% |
| 24 month - 30 month | 3.55% | 3.61% |
| 36 month - 60 month (with step up option) | 3.55% | 3.61% |
| Certificates over $50,000: Add 10 basis points (0.10%) [includes Trad, Education & Roth IRA] | ||
Traditional & Roth IRA Savings
| Type | Current Rate | APY |
| $0 - $2,499.99 | 0.25% | 0.25% |
| $2,500 - $9.999.99 | 0.30% | 0.30% |
| $10,000 - $24,999.99 | 0.40% | 0.40% |
| $25,000 - $49,999.99 | 0.50% | 0.50% |
| $50,000 + | 0.60% | 0.60% |
Educational IRA Share Account
| Type | Current Rate | APY |
| Educational IRA Share Account | 0.10% | 0.10% |
Vehicle Loan Rates
| Product | APR |
| New Auto (2019 and newer) | as low as 4.79% |
| Used Auto (2014 - 2018) | as low as 5.79% |
| Used Auto (2013 and older) | as low as 8.79% |
Recreational Vehicles
| Product | APR |
| New RV or Boat (2019 and newer) | as low as 6.79% |
| Other new sport craft (Dirt Bike, ATV, Jet Ski, Snowmobile) | as low as 8.79% |
| Used RV or Boat (2014 - 2018) | as low as 7.79% |
| Other used sport craft (Dirt Bike, ATV, Jet Ski, Snowmobile) (2014 - 2018) | as low as 9.79% |
| Used RV or Boat (2013 and older) | as low as 10.79% |
| Other used sport craft (Dirt Bike, ATV, Jet Ski, Snowmobile) (2013 and older) | as low as 12.79% |
Signature Loans
| Product | APR |
| 12 - 72 month terms available | As low as 8.99% |
Secured Loans
| Term | APR |
| Term varies | 2.00% above the security rate |
Home Improvement Loan
| Term | APR |
| 36 - 120 month terms available | As low as 9.49% |
Member’s Choice HELOC (Actual rates based on credit worthiness)
| Product | APR |
| Line of Credit - Up To 70% LTV 1st Lien or 50% LTV 2nd Lien | 12 Month Introductory Rate 4.49% APR* then Prime*-0.50% |
| Line of Credit - Up To 83% LTV | 12 Month Introductory Rate 4.99% APR* then Prime* |
| Line of Credit - Up To 95% LTV | 12 Month Introductory Rate 6.24% APR* then Prime* +1.25% |
Low LTV Fixed Rate Home Equity
| Term | APR |
| 5-20 years | As low as 5.49% |
Fixed Rate Home Equity up to 83% LTV
| Term | APR |
| 5-20 years | As low as 5.99% |
Fixed Rate Home Equity up to 95% LTV
| Term | APR |
| 5-20 years | As low as 7.24% |
Overdraft Protection
| Term | Current Rate | APR |
| $48/month if balance is present | Prime + 10.00% Variable APR | 18.00% |